If the overseas remittance is handled through China Merchants Bank's mobile banking, the single or single-day cumulative amount is less than or equal to the equivalent of $65,438+0,000 yuan, which can be handled directly; If the single amount exceeds $ 1000 or the daily cumulative equivalent amount is less than or equal to $20,000, the video will be automatically entered for face brushing and physical examination; A single transaction or a single-day cumulative equivalent of more than $20,000 needs to be handled at China Merchants Bank outlets.

Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved. Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of electronic banking.

Connecting customers' mobile phones with banks through mobile communication network is a brand-new business product, which can directly complete various financial services such as account inquiry and transfer through the mobile phone interface. That is, banks use mobile phones as carriers, rely on mobile GSM wireless networks, send short messages through mobile phones, and use mobile short message resources to operate bank accounts to realize the functions of "financial management" and "electronic wallet" of mobile phones. Simply put, mobile banking is the abbreviation of using mobile phones to handle banking-related business, and it is a channel for banks to realize electronization. It is a brand-new service mode that combines electronic money with mobile communication services.

I believe everyone has been trying for a long time to queue up for business in the bank. The People's Daily has also reported the news that "the queues at banks are always so long". The phenomenon of long queues in banks is related to objective factors such as the continuous warming of the stock market, stock speculation caused by the central bank's interest rate hike, and stock conversion fever. According to a survey, in four branches of state-owned banks in Beijing, the average waiting time from obtaining the number to handling the business is 85 minutes, the shortest is 56 minutes, and the longest is 167 minutes. In five joint-stock bank outlets, the average time is 35 minutes, including 48 minutes for China Merchants Bank and 57 minutes for Bank of Beijing.

In contrast, in Hong Kong, the queuing time of banks is basically within an acceptable range, which is closely related to the popularity of e-banking and e-money, and the developed online banking has contributed greatly. Except withdrawal, almost all banking services can be completed online, such as transfer, remittance, currency exchange, time deposit, loan, tax return, investment in stocks, funds and various derivative financial products.